everything about budgeting

A good letter today!

I got a good letter from MBNA about them receiving my last payments of the loan from 2010! “PAID” is a good thing to see!!

I sold my 1984 Martin guit to get rid of the debt, and feel a lot better now.

I have a LOT of hours this week coming, so will be able to pay another good chunk off Juniper and the Target Card…. (So the Times article about Target was VERY timely)!

I started off in 2010 in the pits. While I’m in no way ‘debt free’, it IS looking up. Little selling off here and there, getting that P/T job and taking hours for the others there, it’s all helping. little bits throughout the years, I’ve shot down three biggies, and have Target, Barclaycard and GE Financial, The collectors, and then I’m up and out I’m thinking in roughly 5 years. 2 more on the collectors, and then the others will be paid with that $300.00 a month. even with the Juniper… even that little $20-35.00 a month extra…. That is making a difference too.

I even got an order for 4 hand painted tee shirts from someone off the internet yesterday who also happens to live locally near to my place (YAY!), and so that’ll net me a bit of spare to use for debt, or to help with regular expenses in August!

No matter how hopeless it seems, it WILL and DOES get better. I made the last payment to Micro center 2 years ago, and paid off MBNA, now to get Target and Barclaycard gone. This alone is a huge step for me. I remember feeling so hopeless and out of it at the beginning of Yule in 2001, But I guess I’m hoping this may offer some hope for others in debt like me.

congrats on all your hard work! it seems to be paying off! Good luck with your plan…. looks like your doing just great!

Thank you… I think when we all have ‘little successes’ it’s good to post to the list so others can see there is light at the end of a dark tunnel. I still have debt, but getting it relieved every time I can is a big step, and makes me feel better.

On the TODAY show this morning, they had a debt lady on talking about how “Sale!” is always in our faces and how we should avoid them, really, because every week there’s a SALE. Half the time we don’t need what we get, but as she says many folks are using ‘retail therapy’ in order to feel better about something or themselves.

I know *I* feel better when I shop for electronics, but can’t. When I get anything now, it is with cash. I feel just as good and almost relieved because I know there’s no more debt on my head when I do get something.